Place an Item on Layaway

Layaway lets you reserve an item and pay for it over time instead of all at once. Once it’s fully paid off, it’s yours to take home.

You make a small deposit to hold your item, then make regular payments until the balance is paid in full. When you’re done, you pick up your item. Simple as that!

No, your credit score isn’t affected. Layaway doesn’t require a credit check or appear on your credit report.

Layaway locks in today’s price and ensures the item you want doesn’t sell to someone else before you can buy it.

You must start a layaway at the store where your item is. If you saw the item online, refer to the item details where it will list the store name, address, and phone number. Please give us a call if you have any questions before you lay your item away.

Currently, layaways must be started in-store, but we can hold an item for you if you contact us ahead of time.

Just a valid photo ID and the required deposit. We’ll handle the rest!

Most items in-store are eligible for layaway, including electronics, jewelry, and instruments. Some clearance or consignment items may not qualify.

Generally yes, please ask one of our associates about the layaway eligibility of the item you’re seeking.

Only a minimum of 10% of the item’s total price is required as your deposit to start.
Example: $100 + Tax (15%) = $115, so a $11.50 minimum deposit is required.

Not yet! Your item stays with us until the full balance is paid, then it’s all yours.

Not yet! Your item stays with us until the full balance is paid, then it’s all yours.

You can make payments as small or as large as you’d like, as long as your balance is cleared before the due date.

Payments can be made in-store with cash, debit, or credit.
Or online through our MobilePawn app.

Yes! You can make payments online through our MobilePawn app. MobilePawn will suggest your minimum payment, or you may pay above your minimum.

Yes; weekly, bi-weekly, or monthly, whatever fits your budget best.

Absolutely. You can pay off your layaway as quickly as you’d like.

Yes! There are no penalties for paying it off ahead of time.

If a payment is missed, your layaway remains active for a short grace period. If no payment is made after that, your layaway may be canceled and your total amount paid minus the deposit, will be refunded.

No, your price is locked in the day you start the plan.

If you need extra time, just reach out. We’ll do our best to accommodate an extension.

We reserve the right to assess the period of time required to pay off the layaway based on the value and demand for an item. We allow up to 10 months to pay off a layaway.

If a layaway isn’t paid off by its end date, it may be canceled and the item returned to the sales floor. We will always make an attempt to reach out to you before returning the item to the sales floor. Any applicable refunds or fees will be explained at that time.

Upon cancellation of a layaway, you forfeit your initial deposit. The remaining amount paid is refunded to you. We do this to recoup a percentage of revenue while the item isn’t being sold.

Yes, you can cancel anytime, or switch to a different item if it’s available.

You’ll receive a refund of your payments minus the initial deposit.

You may only change the item layed away if it is of equal or greater value, the total amount paid will be transferred to your new layaway, and you may see the payment frequency, payment period, and minimum payment amount adjust to reflect the new item.

You get to choose! You will pick up your item when the final payment is made.

As soon as your balance is fully paid, you can take your item home the same day.

Yes. You must contact the store where your layaway was made prior to the final payment. You must tell us the name of whom it is picking up your layaway.
Whomever is picking up, they must know who they’re picking up for, the name of the item, what the amount of payment is, and have valid government issued photo ID.
We cannot give this information to them out as apart of our privacy policy, and they must know this information so we can validate them as your trusted individual.

Pickups are done in-store at the same location your layaway was started.

Yes. MobilePawn users may view their balance in the app. Otherwise, just stop by or call us anytime, and we’ll provide your up-to-date balance!

You can reach our team by phone, Facebook, or in person at any store. We’re happy to help! Visit our Contact Us page to learn how.

Yes, just let us know and we’ll accommodate you and update your details in our system.

Not a problem! We can look up your layaway in our system with your name or ID.